In foreclosure or upside in your home?
Tue, Nov 15, 2011 6:00 PM - 6:25 PM PST
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When the foreclosure clock starts ticking, it’s a matter of time before u, & ur family, are booted out.
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The Elephant In The Room Alive And Well - Foreclosure Headlines Misleading
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educate yourself in foreclosure - help others n make money-webinar now- click here-
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In a foreclosure crisis?
this is what they do not want you to know
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ATTENTION: How Does The Federal Government Sueing Banksters Over Foreclosure Fraud Benefit Your MLM
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Good morning sunshines!
am foreclosure work, pm private soccer training, evening financial mlm webinar-busy day

st got done w foreclosure webinar - I am spent...good night all

2 webinars down 1 to go! Foreclosure tonight 8:00pm EST

2 webinars 2day: 1:00pmEST-#SKYPE free addon tool, 1000s leads-8:00pmEST - FORECLOSURE prevention

k, time to HIT IT hard!#video webinar, foreclosure conf call, marketing updates>crazybusy

goooooooooooooood morning sunshines!
It is going to be a great day 4 those who r in foreclosure in NJ

MAJOR WIN FOR HOMEOWNERS IN NJ SUPREME COURT

As a lot of you have come to realize LOAN
MODIFICATIONS have not solved anyone's problems but to put more money into the bank's pockets and have the homeowner eventually wind up back where they were before the loan mod, but this time with the bank arguing that although they tried to help the homeowner the homeowner fell behind again, therefore they need to finish the foreclosure. The bank also argues that if they were any discrepancies or infractions on the original loan, well by the homeowner agreeing to a LOAN MODIFICATION the original loan is null and void and the terms on the loan modifications are in effect. They also argue that the homeowner basically signed away their rights to the original loan and are bound by the loan mod terms. However the bank still maintains theirs and will seek to foreclose on the homeowner. Well, the judges are beginning to see what we have been saying all along. BE AWARE if fraud was committed in the original loan ti does not make it go away because the bank gave the homeowner a loan modification and it puts the homeowner in a position to seek legal and financial compensation from the bank. GOD BLESS
Here is the detail info:
SUPERIOR COURT OF NEW JERSEY
APPELLATE DIVISION
DOCKET NO. A-2634-08T2
I can also email anyone that is interested the above full 19 page court ruling for their review. Just email me at nikonj27@gmail.com or call me @ 732-312-5555

MERS has reduced transparency in the mortgage market in two ways

“[MERS] has reduced transparency in the mortgage market in two ways. First, consumers and their counsel can no longer turn to the public recording systems to learn the identity of the holder of their note. Today, county recording systems are increasingly full of one meaningless name, MERS, repeated over and over again. But more importantly, all across the country, MERS now brings foreclosure proceedings in its own name – even though it is not the financial party in interest. This is problematic because MERS is not prepared for or equipped to provide responses to consumers' discovery requests with respect to predatory lending claims and defenses. In effect, the securitization conduit attempts to use a faceless and seemingly innocent proxy with no knowledge of predatory origination or servicing behavior to do the dirty work of seizing the consumer's home. . . . So imposing is this opaque corporate wall, that in a “vast” number of foreclosures, MERS actually succeeds in foreclosing without producing the original note – the legal sine qua non of foreclosure – much less documentation that could support predatory lending defenses.”
The real parties in interest concealed behind MERS have been made so faceless, however, that there is now no party with standing to foreclose. The Kansas Supreme Court stated that MERS' relationship “is more akin to that of a straw man than to a party possessing all the rights given a buyer.” The court opined:
“By statute, assignment of the mortgage carries with it the assignment of the debt. . . . Indeed, in the event that a mortgage loan somehow separates interests of the note and the deed of trust, with the deed of trust lying with some independent entity, the mortgage may become unenforceable. The practical effect of splitting the deed of trust from the promissory note is to make it impossible for the holder of the note to foreclose,

unless the holder of the deed of trust is the agent of the holder of the note. Without the agency relationship, the person holding only the note lacks the power to foreclose in the event of default. The person holding only the deed of trust will never experience default because only the holder of the note is entitled to payment of the underlying obligation. The mortgage loan becomes ineffectual when the note holder did not also hold the deed of trust.”
MERS as straw man lacks standing to foreclose, but so does original lender, although it was a signatory to the deal. The lender lacks standing because title had to pass to the secured parties for the arrangement to legally qualify as a “security.” The lender has been paid in full and has no further legal interest in the claim. Only the securities holders have skin in the game; but they have no standing to foreclose, because they were not signatories to the original agreement. They cannot satisfy the basic requirement of contract law that a plaintiff suing on a written contract must produce a signed contract proving he is entitled to relief.



Here is a program that may help you get at least 10% reduction on your principal balance

What makes this program TOTALLY different:
* It’s a TOTAL Mortgage Reset.
(This is NOT a loan modification)
* PRE-Screening/Approval of files
(NO cost to client to review file)
* Thorough Forensic Audit
(look for state & federal mortgage violations)
* Trust Deed Audit
(Research mortgage note trail)
* National Attorney Network & Legal Support
* Post Mortgage Reset Services
(Credit, Debt & Equity Acceleration. Personal & Business Financial Counseling, Training & Coaching. Career Realignment & Enhancement)
* Total Mortgage Reset
(Due to case Management Negotiation or via filed Lawsuit)
*100% Money Back Guarantee
(If you don’t get at least 10% Pricipal Reduction)
* Damage Claims
(When Lawsuits are filed and won)

PLEASE DOWNLOAD THIS PRE-RECORDED AND LISTEN TO IT:

http://www.bigfileswapper.com/3iEQ5TkAL-CYxvz

When you get to the page just click on the file on top of the page to download and listen to it.

THEN CALL 732-439-8230 FOR HELP.

What is a predatory Loan

WHAT IS A PREDATORY LOAN?

IF A LOAN IS NOT SUITABLE TO YOUR NEEDS, IF IT’S NOT A LOAN THAT WILL SUSTAIN LONG TERM HOME OWNERSHIP OVER A PERIOD OF TIME. IF YOU HAVE FOUND THAT YOU HAVE FALLEN BEHIND IN THE FIRST COUPLE OF YEARS, THEN YOU ARE PROBABLY IN A PREDATORY LOAN.

If you had your house foreclosed on
If you know someone who lost their house and that foreclosure was in the name of a TRUST,

I am here to tell you, that foreclosure was IMPROPER.

Now, I did not say ILLEGAL at the present moment, because that depends.

But I will guarantee you, it was IMPROPER and never should it have happened.

So I don’t care if you already lost the house, I don’t care what anyone else has told you,

if you have not had
your rights defended, you have not had your rights.

You need to know that your rights are VIOLATED

You have the ability for JUSTICE

And even if the house is long gone and you do not want to be there anymore,

if the memories will not serve you anymore, you absolutely have the right to economic justice.
Because that is the only thing that anyone is going to understand.

It is part of the laws that exist in every part of this;

there are DRACONIAN measures against lenders that cheat.

Under consumer protection, consumer fraud, HOEPA, TILA, RESPA,

It is supposed to be painful to brake the law and your rights have been abridged.

You have the right to defend yourself.
You need information.

Information is POWER.

I can provide you that information.

Whatever anyone chooses to do with it is up to him or her.
How is defended, is up to the lawyers.

But I can provide you with the information necessary
To find out if you being a victim deserves someone paying a price.

YOU NEED TO FIND DECENT COUNSEL, YOU NEED TO GET IN CONTACT WITH ME, TO GET YOUR LOAN ANALYZED, YOUR FORECLOSURE ANALYZED, YOU NEED TO GET THE INFORMATION TOGETHER WITH THE PROPER ATTORNEYS AND YOU NEED TO GO FIGHT!

HOPE IS A WONDERFUL THING TO HAVE,
A-PLAN IS EVEN BETTER!

PROJECT BRAKE-FREE

Project BREAK-FREE

Why? Because until a person loses the limiting mind of ego, they cannot experience life beyond what their negative egos will allow them to experience.

God blessed me with finding the knowledge, helped me seek and find the wisdom to MIND CHANGE so that I may be TEN FEET TALL AND BULLET PROFF.

So that I may Stand Up, Do a SELF EVALUATION; Change My Mind Set And DARE TO FIGHT BACK Against The Unfair Practices of The Financial System and Gain FAIR ECONOMIC JUSTICE.

This is NOT Just about a Foreclosure Fight.

This is About a MIND SHIFT.

How do you like waking up knowing BIG BANK owns your present and future?

I want to set folks up for a CHANGE
I want to help folks RENEW their own vows into self

WHY? Because the lesson is not what to do to fight your Foreclosure, but rather how to THINK while you do.

Now step back from what I just said and see if you can locate the profound truth

And isn’t also true that those who fail always fail and always quit and leave and don’t they pack up their failed minds and take their failure with them where ever they go? Yes that’s quite true.

Therefore, the secret lies not in what to do, but more in how to think while you are doing it.

92% Will SHRED or THROW AWAY This NOTICE, Along with Their Equity, Asset and Lifestyle

8% Will take ACTION, Grab The Bull By The Horns, Do their Research, Come To Terms With Reality And What is REALLY Going On

God has a plan for everyone! This is mine. To help the 8% CHANGE Their Lives

To get my newsletter for continuous support and updates email me @ nikonj27@gmail.com with your full name and address.

Incompetence of mortgage lenders

Foreclosure case workers or loss mitigation representatives go to nearly any lengths to avoid helping their clients. It seems they do anything possible in order to delay a resolution, instead allowing the home to get dangerously close to the sheriff sale before turning down the workout program entirely.
In cases where the homeowners are facing the loss of their homes due to negligence or fraud on the part of the lender, the incompetence is especially frustrating. Our observations over years have alerted us to a few of the various ways that banks push paying customers into foreclosure in order to steal the home and extract the largest profit possible at the expense of the homeowners. This type of scam is mostly perpetrated by servicing companies and operates in several ways, all of which we have witnessed numerous times.
Homeowners in these and similar situations may feel as if they are the only ones caught up in some kind of Kafkaesque debacle. The lenders play the part very well through their own genuine incompetence at the customer service level. Remaining on hold for three hours a day just to confirm that a fax has been received (when it had not been received any of the previous three times it was sent) is a simple tactic resulting from understaffed loss mitigation departments and increasing foreclosures. But more and more experience and research shows us that these are not isolated events, but carefully planned manipulations of mortgages, resulting in forced foreclosures.
Possibly the most common scam that we have witnessed is when the lender places a forced insurance policy on a property. They claim they have not received proof of insurance and then force the owners to pay extra every month for the policy. Often, they place the insurance without informing the homeowners, who make their regular monthly payment, which is first applied to the policy and then to interest and principal. This makes them late on the bill even though they are paying on time every month. Faxes to the lender of proof of insurance will not convince them, if they confirm receiving the documents at all. Homeowners may only learn of the insurance policy when they are being sued for foreclosure, and assume that a horrible mistake had been made.
Another way that mortgage servicing companies push properties into foreclosure is by paying the property taxes late and charging the late fees to the homeowners' account. The next payment the homeowners make will be applied to the taxes and late fees, while the principal and interest will be partially late. Again, the foreclosure victims may not realize the scam until they are being sued and their home is scheduled to be sold at a county auction. Even then, they may have little idea of how to defend themselves in court against a company with thousands of successful foreclosures behind it who has hired local attorneys that specialize in such cases. The loss of the home may be all but guaranteed at this point.
These are the two most common ways, in our experience, that servicing companies have been known to force homeowners into foreclosure. The deviousness of the scam, combined with the bureaucratic inefficiency of many of these companies, often create the impression that errors have been made that can be corrected, as long as the homeowners can talk to someone, explain what happened, and straighten out the mess. Unfortunately, customer service centers may be specifically designed to delay the homeowners as long as possible, leading them to believe they are working out a solution, while the attorneys proceed ever more quickly to the foreclosure auction.
Even more unfortunate is the fact that homeowners have little alternative when they become a victim of this scam. Once they are behind in payments or in foreclosure, the servicing company will make absolutely sure that the balance due on the loan strips the property of its equity. This also dramatically decreases the chance of qualifying for a foreclosure loan or other solution, and increases the amount necessary to begin a repayment plan with the company. A house with little equity can not even be sold quickly enough to ensure that there will be any equity by the closing. The servicing fraud scam is one of the most disturbing in the industry, and one every homeowner should be aware of, because the power of the perpetrators so outweigh the victims in terms of money, legal expertise, and previous successful cases.

The Shuttering Truths That Will Blow Your Mind

Truth 1: 92% Of Foreclosures Go Uncontested, but 8% DO NOT

Truth 2: 92% of Homeowners have their Houses STOLEN from them because they were NOT DILIGENT in Their Search for Truths

Truth 3: 92% Relied On Banks And Government For a BAIL OUT and DID NOT know that Loan Modifications Are ILLEGAL

Truth 4: 92% Did Not Know That The Banks DO NOT OWN The Note of the Mortgage, So They CAN NOT Modify Properly Something They DO NOT Own

Truth 5: 92% Were Either Turned Down For a Loan Modification or the Ones that Did Get One fell BEHING AGAIN within 6 Months

Truth 6: 92% DID NOT Know That A Lot of The Mortgage Loans In The Last Decade were ILLEGAL, As Well As The Process, Closing, Servicing, Sale Of The Loan, and Foreclosure Process

Truth 7: 92% DID NOT Know Short Sales CAN BE ILLEGAL

Truth 8: 92% Will IGNORE these TRUTHS, will not be DILIGENT or PROACTIVE and will have their Homes Stolen From Them through FORECLOSURE

Truth 9: 92% Will SHRED or THROW AWAY This NOTICE, Along with Their Equity, Asset and Lifestyle

Truth 10: 8% Will take ACTION, Grab The Bull By The Horns, Do their Research, Come To Terms With Reality And What is REALLY Going On

Truth 11: 8% Will Stand Up And DEMAND FAIR ECONOMIC JUSTICE, And CLAIM as Theirs What The Financial System Is Trying To STEAL From Them, THEIR HOME

Truth 12: 8% Will Be DILIGENT, Search For The TRUTHS, Will Not Wait For a BAIL OUT From Government Or Banks, DARE TO FIGHT And Keep Their AMERICAN DREAM



No Matter How Many Programs and Opportunities
You are Presented with And No Matter How Hard You Try
To Save Your Home You Will Continue To Fail
Without Learning THE SYSTEM OF SELF

* Put Yourself In Control
* Put Yourself In a PROACTIVE ROLE
* Put Yourself In a DILIGENT Mind Frame
* Put Yourself In a DARE TO FIGHT Mode
* Put Yourself In a position to accept God’s Divine Plan of wealth and Home Ownership

It Is God’s PLAN for you to receive This Notice so that you may DISCOVER The Truths And CHANGE The Rest Of Your Life

There is No substitute for truth

The Truth Exists In Abundance
But The DEMAND For It Is Scarce


GROWTH COMES THROUGH CHANGE


WHAT People Don’t Know is Costing Them
Their Very Lives And They Are Walking
Away From Equity, Asset And Lifestyle

HOW DOES IT FEEL TO CONSTANTLY WONDER WHEN THEY ARE GOING TO CALL OR STICK THE SHERIFF’S SALE NOTICE ON YOUR DOOR?
HOW DOES IT FEEL TO BE PETROFIED THAT ANY DAY NOW THEY WILL EVICT YOU FROM YOUR HOME?



My Challenge to you is, “which one are going to be.
The 92% or the 8%?

BANK DO EVERYTHING POSSIBLE TO AVOID RESOLUTION

It is always amazing to see the complete incompetence of mortgage lenders. When working with these homeowners, foreclosure case workers or loss mitigation representatives go to nearly any lengths to avoid helping their clients. It seems they do anything possible in order to delay a resolution, instead allowing the home to get dangerously close to the sheriff sale before turning down the workout program entirely.
In cases where the homeowners are facing the loss of their homes due to negligence or fraud on the part of the lender, the incompetence is especially frustrating. Our observations over years have alerted us to a few of the various ways that banks push paying customers into foreclosure in order to steal the home and extract the largest profit possible at the expense of the homeowners. This type of scam is mostly perpetrated by servicing companies and operates in several ways, all of which we have witnessed numerous times.
Homeowners in these and similar situations may feel as if they are the only ones caught up in some kind of Kafkaesque debacle. The lenders play the part very well through their own genuine incompetence at the customer service level. Remaining on hold for three hours a day just to confirm that a fax has been received (when it had not been received any of the previous three times it was sent) is a simple tactic resulting from understaffed loss mitigation departments and increasing foreclosures. But more and more experience and research shows us that these are not isolated events, but carefully planned manipulations of mortgages, resulting in forced foreclosures.
Possibly the most common scam that we have witnessed is when the lender places a forced insurance policy on a property. They claim they have not received proof of insurance and then force the owners to pay extra every month for the policy. Often, they place the insurance without informing the homeowners, who make their regular monthly payment, which is first applied to the policy and then to interest and principal. This makes them late on the bill even though they are paying on time every month. Faxes to the lender of proof of insurance will not convince them, if they confirm receiving the documents at all. Homeowners may only learn of the insurance policy when they are being sued for foreclosure, and assume that a horrible mistake had been made.
Another way that mortgage servicing companies push properties into foreclosure is by paying the property taxes late and charging the late fees to the homeowners' account. The next payment the homeowners make will be applied to the taxes and late fees, while the principal and interest will be partially late. Again, the foreclosure victims may not realize the scam until they are being sued and their home is scheduled to be sold at a county auction. Even then, they may have little idea of how to defend themselves in court against a company with thousands of successful foreclosures behind it who has hired local attorneys that specialize in such cases. The loss of the home may be all but guaranteed at this point.
These are the two most common ways, in our experience, that servicing companies have been known to force homeowners into foreclosure. The deviousness of the scam, combined with the bureaucratic inefficiency of many of these companies, often create the impression that errors have been made that can be corrected, as long as the homeowners can talk to someone, explain what happened, and straighten out the mess. Unfortunately, customer service centers may be specifically designed to delay the homeowners as long as possible, leading them to believe they are working out a solution, while the attorneys proceed ever more quickly to the foreclosure auction.
Even more unfortunate is the fact that homeowners have little alternative when they become a victim of this scam. Once they are behind in payments or in foreclosure, the servicing company will make absolutely sure that the balance due on the loan strips the property of its equity. This also dramatically decreases the chance of qualifying for a foreclosure loan or other solution, and increases the amount necessary to begin a repayment plan with the company. A house with little equity can not even be sold quickly enough to ensure that there will be any equity by the closing. The servicing fraud scam is one of the most disturbing in the industry, and one every homeowner should be aware of, because the power of the perpetrators so outweigh the victims in terms of money, legal expertise, and previous successful cases.

NON-PROFIT or NON-INTERESTED?

Sunday August 30, 2009, and as I am sitting in front of my PC checking my emails and various articles to educate myself more about current events, I came across this one that hit home and provoked an EXTREMELY high level of interest in me as I am a FORECLOSURE SURVIVOR, and it should to you as well, with the bullshit and lies that just keep going on and on. Politicians, Washington, BIG GOV & BIG BANK only have one interest: Make more & more money and keep it among their group. They could careless how they make it, who they hurt, how badly they damage US and GLOBAL economies, and how everyday hard working folks survive.

Please read the entire article, pay special attention to the highlighted areas, and most importantly MAKE SURE you read the information I found at the end of the article! IT WILL BLOW YOUR MIND!

The article’s title is:
Caught in foreclosure relief scam, a couple loses their home
Written by BY MATT OLBERDING / Lincoln Journal Star Posted: Saturday, August 29, 2009 11:55 pm
Denise and Kevin Barret thought they had found a solution earlier this year after they fell behind on their mortgage.
One night in February, they saw a television ad for the Federal Loan Modification Law Center, a very official-sounding entity that promised it could reduce homeowners' payments while saving their homes from foreclosure.
So the Barrets called the number and were told that for an initial payment of $995 the company could renegotiate the couple's delinquent mortgage and get them a better interest rate and more affordable payments.
It sounded like a good deal, and the company at the time had a reasonable rating with the Better Business Bureau, Denise Barret said.
So the Barrets signed up.
Denise said she was in contact with the company weekly as representatives told her they were negotiating with Liberty First Credit Union, the Barrets' lender.
Every time the Barrets got a letter or phone call from Liberty First, Federal Loan Modification Law Center representatives told them to ignore it, saying it was just a scare tactic, Denise said.
"They kept telling us, 'Don't call the bank, it will just slow down the process. Don't offer them any money,'" said Kevin Barret.
That's exactly the opposite of what credible experts advise for homeowners who fall behind on their mortgages.
The result: Around the first of May, the Barrets received a letter from Liberty First, informing them their home was scheduled to be sold at auction.
Frantic, Denise said she called the credit union.
"Liberty First said they had never heard from them," she said.
The Barrets bought a century-old house near 120th and Nebraska 2 in 2004. They paid $165,000.
The couple had moved back to Nebraska in 1999 after Kevin served in the Marine Corps. They initially settled in Eagle.
Denise said they fell in love with the converted bunkhouse on seven acres, which is not far from Otoe County, where the Barrets both grew up - she in Nebraska City, he in Syracuse.
At first they had a rent-to-own arrangement with the previous homeowners, and things went pretty well for a couple of years.
But then came 2006.
In February of that year, Kevin, who was 46 at the time, had a heart attack. He underwent quadruple bypass surgery the next month.
He had barely recovered when Denise was struck by a brain aneurysm in August of that year.
To help pay for their medical bills, the couple refinanced their mortgage and cashed out some of the equity in their home, which Kevin said at one time was as much as $60,000.
Things seemed as though they couldn't get any worse for the couple, but then Kevin lost his job right before Thanksgiving.
The bad news continued just a few months later, when Denise, too, lost her job.
The Barrets again refinanced their mortgage in November 2007, increasing the mortgage debt from $148,000 to nearly $178,000 between a first and second mortgage, according to county real estate records.
Denise said their mortgage payment jumped from around $1,300 a month to more than $1,800.
In August 2008, the couple filed bankruptcy, just after they started falling behind on their mortgage payments.
County real estate records show Liberty First issued a default notice at the end of June 2008.
Kevin said they'd fall behind on payments, catch up, only to fall behind again.
While purporting to be helping the Barrets, the Federal Loan Modification Law Center was racking up complaints all over the country.
In April, the Federal Trade Commission filed a federal lawsuit against the company, alleging it misrepresented that it could obtain a loan modification or stop foreclosure in all cases.
The complaint also alleged that the company falsely claimed in radio and TV ads to be affiliated with the federal government.
Nabile "Bill" Anz, managing attorney for Federal Loan Modification and one of the people named in the FTC's complaint, told the Orange County Register in April that the company may have been aggressive, but it had obeyed the law.
Since then, Anz seems to have changed his tune. On Aug. 4 he voluntarily resigned from the California State Bar Association, with charges pending against him.
According to a news release, the bar filed an application in July to have Anz declared "involuntarily inactive," alleging he failed to perform for clients of the Federal Loan Modification Law Center and failed to refund fees to clients of the business.
The news release said Anz admitted the misconduct that was alleged in the application.
Some states have also taken action against Anz and his company.
In July, Wisconsin regulators banned the company from doing business there and ordered it to provide refunds to all its customers in the state.
That action likely is a moot point, as it appears the company is no longer doing business. Its Web site is no longer operational and its phone has been disconnected.
Mike Cameron, an attorney with the Nebraska Department of Banking and Finance, said the department has fielded a couple of complaints about the Federal Loan Modification Law Center.
"I'm thinking two or three at most," he said.
Cameron said that because the company is already the subject of an FTC investigation, he refers complaints to the federal government.
Michael Snodgrass, executive director of NeighborWorks Lincoln, said two red flags with any foreclosure rescue offer are the requirement that you pay for it and a promise of a renegotiated interest rate or lower payments.
"If you have to pay something to save your house," there is something wrong," Snodgrass said.
He said NeighborWorks, which offers free foreclosure counseling among its many housing education services, never promises results.
Snodgrass said he has seen clients at NeighborWorks who have used or considered using foreclosure rescue companies.
"If you're losing your home, you're grasping at straws," he said. "If you see an ad from a company, it's awful tempting to look at."
Denise and Kevin Barret will lose their home - there is no doubt about that now.
Earlier this month, they stood in a Lancaster County courtroom and agreed to be out of their house by the end of the month, which is Monday.
As they talked with a reporter Friday, a steady stream of people drove up their driveway and into their front yard to take advantage of their need to sell off possessions that won't fit in their new home, a rented townhome near 61st and Vine streets.
In a way, their lives are coming full circle - the town home is in the same development they lived in shortly after they got married, Denise said.
She alternates between tears and anger.
She cries when she thinks about losing her home, the place she and her husband fought so hard to keep.
The tears turn to anger, though, when she thinks about all the help the government is handing out to banks and to people to buy houses and new cars.
"They're giving these brand-new homeowners $8,000 bonuses," she said. "Why aren't they helping the people who are losing their homes?"
There are programs to help people facing foreclosure, but the Barrets say they found out about them too late.
Kevin says he's talked to the Veterans Administration and a lawyer, but the response has been, "You should have brought this to us earlier."
"If I had a nickel for every time I heard that, I'd be able to pay off our house," he said.
Denise said she and her husband aren't telling their story to get pity.
"We're not doing it to make people feel sorry for us," she said. "We just don't want it to happen to them."
Reach Matt Olberding at 473-2647 or molberding@journalstar.com.
Well, I don’t know about you but here are a few things that seem to bother me as well as some valuable information that I found out about all this:

1. Modification companies are scam artists. I don’t care what they promise you to deliver. They work for the banks to get more money into their pockets. Folks banks DO NOT have the power to negotiate with the homeowner, because they DO NOT own the note of your mortgage. Only the note owner can negotiate. In almost all cases the owners of the note could be any where in the world and there could be 100’s of entities that hold a piece of your note. There for NO negotiation is possible. The banks are only servicers of the mortgage.
2. BIG GOV is shutting down and going after loan modification companies but then they are telling us to use the GOV PROGRAMS to help homeowners with their foreclosure but their programs are doing the same thing. President OBAMA predicted millions of modifications but to date there have only been around 150,000. The gov programs are pushing homeowners to work with the banks but the banks have no interest in modifying loans because they make more money from the foreclosures and collecting the insurances that they took out on those loans. The banks are defrauding everyone, even the investors that they have sold these mortgages to. The investors have started to sue the lenders for selling them fraudulent loans which in return are not performing and they, (investors), cannot collect interest on. Hell, the banks or the government CAN NOT modify something they DO NOT OWN!!!!!! This is very important.
3. This is the most important point of them all! Mr. Michael Snodgrass, executive director of NeighborWorks Lincoln made a couple of statements that I would like to address. He said that "If you have to pay something to save your house," there is something wrong," He said NeighborWorks, which offers free foreclosure counseling among its many housing education services, never promises results. Altough I agree with him that there are no warantees he basicaly is saying that NON-PROFIT groups are the only solution for the troubled homeowners and one should not pay anyone to educate them or help them fight their foreclosure because there are channels that one can get the information for free. BULLCOCKIE on that. I do not know about anyone else, but if I am in legal trouble and I can efford top notch legal help, I want that as opposed to the public defenders office.

NOTHING IS FOR NOTHING! And I can prove it. I went on the NEIGHBOR WORKS web site and I did a little searching. Here are a couple of things I found out: First of all they actually tell you that they have partnerships with banks and even go on to name some of these banks. They also have a page thanking some of these banks for their financial gifts to this organization.
Folks, they actually have photos of these banks handing over large checks to to NEIGHBOR WORKS. Here are the links:

PHOTOS
http://www.nw.org/network/aboutus/partnerships/partner_thanks.asp

PARTNERS
http://www.nw.org/network/aboutus/partnerships/partners.asp

They tell you that it is a national nonprofit organization created by Congress to
provide financial support, technical assistance, and training for community-based
revitalization efforts.
Now, I am not the world’s smartest person, but how is it that a non-profit created by congress is getting financial gifts from banks? Is it not a conflict of interest?
And if it is not, do I really want an organization looking to help me that is being financially gifted from the banks? Whose interests are they really going to look out for, the banks or mine?

BIG BANK is controlling Washington, Congress, Media and everything else to keep every day hard working people in the dark and slaves to their money-making schemes!!!!
I have walked up and seen the light, and the more I dig and research the more garbage I find….I will keep telling everyone my opinions and discoveries hoping to make everyone aware that we have rights and options regardless what they tell us. GOD BLESS AMERICA & GOD BLESS THE MASSES!